Brand model: iphone 13

System version: iOS 16

Software version: ICBC Mobile Banking 8.0. 1. 1.0.

With the company's business license, you can make loans through ICBC mobile banking. The specific operation is as follows:

Click the merchant loan application 1 of ICBC mobile banking, and click the loan.

First, open and log in to ICBC Mobile Banking on your mobile phone, and click Loan on the home page.

2. Click Xiao Wei Electronic Loan.

Then, click Xiao Wei Electronic Loan.

3. Click on the commercial quick loan.

Then click Business Quick Loan.

4. Click on the merchant loan.

Click on the merchant loan.

5. Click Apply Now.

Finally, click Apply Now.

Legal basis: Article 17 of the General Principles of Loans: The borrower shall be an enterprise, institution, legal person, other economic organization, individual industrial and commercial household or a natural person with full capacity for civil conduct registered in China with the approval of the administrative department for industry and commerce or the competent authority. The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:

(a) has the ability to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made;

(two) except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial departments, the industrial and commercial departments shall handle the annual inspection procedures;

(3) Opening a basic account or general deposit account.

Second, do you need to check the credit information for the business license loan?

Need to check credit.

Whether the customer's application is in a bank or private lending institutions or online lending platforms that access the central bank's credit information system, it is necessary to review the personal good. If there is a bad credit record in the personal credit information report.

What needs to be understood is that if the project is completed for more than one year, it needs a business license audited by the industrial and commercial department. Business license is a necessary item to apply for a loan, but a separate business license cannot be used for a loan. Because the approval of bank loans is relatively strict at present, if you go to a commercial bank, you need at least half a year's running account, and you can apply for a loan only after you have good enough business conditions to prove that you can repay other conditions required by the bank.

The business license of a self-employed person records its business scope, the name of the self-employed person and other information. Only by borrowing money from the bank. Even if it is a credit loan, self-employed individuals should prepare ID cards, credit records, bank accounts and other related materials.

Generally speaking, for those customers who have not yet accessed the central bank to apply for loans, they generally do not check their personal credit information, but pass the.

Legal basis:

Company Law of the People's Republic of China

Article 7

Companies established according to law are shot by the company. The date of issuance of the business license of the company is the date of establishment of the company. The company's business license shall specify the company's name, domicile, registered capital representative's name and other matters. Where the matters recorded in the company's business license change, the company shall register the change according to law, and the company registration authority shall issue a new business license.

3. How to get a loan with a business license

Business license, organization code certificate, national tax registration certificate, account opening permit, identity cards of both husband and wife of the lender, business premises lease contract, half-year bank account, marriage certificate, household registration book and asset certificate. You can apply to some banks through 1 The postal service is 65438+ 10,000 yuan. You need two guarantors, with the maximum of 500,000 yuan for Guangfa and 500,000 yuan for Ping An.

Four, how to use the business license loan?

Thank you for your invitation. First of all, it is clear that applying for a formal loan cannot be done with a certificate as advertised. Moreover, the business license is one of the necessary things to apply for a loan. The following opinions are for reference only:

1. Self-employed individuals are not allowed to borrow money only with their business licenses.

Second, if it is a credit loan.

In addition to the business license, the self-employed should also submit the following materials:

1, second-generation ID card

; This bank has been operating continuously for nearly six months.

; Proof of address,

2. Lease contract

Water, electricity and gas bills;

3. Commercial purchase and sale contracts

, such as order contracts, pos machine receipts, invoices, etc. ; Proof of business address and lease contract

, rent invoices and utilities

The bill.

4. Some lending institutions also require other supporting materials.

For example: proof of communication, detailed list of mobile phone calls; Proof of assets

: real estate license

Wait a minute. If you ask the loan company

To apply, you also need to provide a personal credit report.

. Therefore, self-employed individuals cannot apply for loans only with their business licenses.

Three, the business license is a necessary item to apply for loans, but a separate business license can not be used for loans. Because the approval of bank loans is relatively strict at present, if you go to a commercial bank,

In that case, it also needs at least half a year's running account and good enough business operation.

Conditions to prove repayment ability. At the same time, you can apply for a loan after meeting other conditions required by the loan bank.

However, it is worth noting that loans need to assess their solvency. Finally, I wish you a prosperous business ~